China's rapid economic growth has spurred the acceleration of trade relations between Hong Kong and China, and indeed helped raise the power and influence of Renminbi ( RMB ) on the global stage. For someone like you who are in step with this positive force, the benefits of having better management of your RMB banking portfolio are obvious. It is with this understanding that CITIC Bank International brings you a wealth of RMB banking services to ensure your financial needs are well fulfilled, no matter whether you are in China or Hong Kong, for business or personal.

RMB Savings Account

• Enjoy privileged interest rates, and the convenience and freedom of depositing and withdrawing your RMB funds at any time
• Open an RMB savings account with just RMB100
• Monthly statement for overview of your account balance and transaction activities

RMB Fixed Deposit Account

• Options of 1- to 6- month tenor, with higher interest rates than an RMB savings account
• Open an RMB Fixed Deposits account with just RMB10,000

• Attractive exchange rates to maximise your funds
• Flexibility to convert your RMB to HKD, and vice versa, whenever you need
• No administration fee required
• Extensive branch network for convenient exchange services

• Fast and convenient - saves you the hassle of carrying excessive cash while travelling
• Simple and reliable - just complete an instruction form at any of our branches and we will remit the amount to your bank account in China

• Accepted by over 1.35 million merchants in the China Union Pay (CUP) network in Mainland China
• Round-the-clock cash withdrawal of RMB at over 180,000 ATMs of the CUP network all over China
• All transactions settled in RMB, eliminating the cost for currency conversion, with up to 52 days of interest-free repayment period
• Earn 1 bonus point for every 1 RMB spending or cash advance made with the card and enjoy fabulous gift redemptions

• HKD or USD based mortgage loans for property in key cities in the Mainland through our Shanghai Branch, and CITIC Ka Wah Bank (China) Limited
• Up to 80% of the purchase price or appraised value (whichever is lower)
• Long repayment periods up to 30 years for fulfilling your property investment plans
• Pre-approval of your mortgage loan before your actual purchase to help you better plan your finances
• Easy and convenient application via our Customer Service Hotline, branch network in Hong Kong, our Shanghai Branch, or through our wholly owned subsidiary bank, CITIC Ka Wah Bank (China) Limited in Shenzhen, Shanghai and Beijing